Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 10yr+ | individual | 4.55% |
| Fixed Deposit | Fixed | 5yr–10yr | individual | 4.00% |
| Remittance Savings | Remittance | — | individual | 3.80% |
| Fixed Deposit | Fixed | 2yr–5yr | individual | 3.25% |
| Fixed Deposit | Fixed | 1yr–2yr | individual | 3.00% |
| Fixed Deposit | Fixed | 2yr+ | institutional | 2.85% |
| Fixed Deposit | Fixed | 6mo–1yr | individual | 2.85% |
| Fixed Deposit | Fixed | 3mo–6mo | individual | 2.80% |
| Fixed Deposit | Fixed | 1yr–2yr | institutional | 2.75% |
| Normal Savings | Normal Savings | — | individual | 2.75% |
| Fixed Deposit | Fixed | 6mo–1yr | institutional | 2.75% |
Loan rates
Cards
| Card | Network | APR | Annual fee | Grace days |
|---|---|---|---|---|
| Nabil Visa Domestic Credit Card | visa | 27.00% | Rs 0 | — |
| Nabil Visa International Credit Card | visa | 27.00% | — | — |
| Nabil Mastercard Credit Card | mastercard | 27.00% | Rs 0 | — |
Products & Services
Deposits
8Nabil General Savings
An everyday savings account aimed at the general public.
- Basic savings account for everyone
- Mobile and internet banking access
- Debit card facility
- Interest paid as per published savings rate
Nabil Premium Payroll Savings
A salary account for employees of organizations with a payroll tie-up with Nabil.
- Zero minimum balance
- Free nBank mobile & web banking first year
- Collateral-free personal loan up to NPR 15 lakh
- 50% discount on SWIFT transfers and demand drafts
- Free DEMAT and Mero Share first year
- Credit card subscription fee waived first year
Nabil Premium Nari Bachat
A premium savings account designed for women customers.
- Interest around 4.75% p.a.
- Local and international credit cards
- Free/discounted demand drafts & SWIFT transfers
- Locker facility
- Nabil SmartBank access
- Part of Nabil Nari women's product suite
Nabil Gold Savings Account
A premium-tier savings account with enhanced features.
Nabil Digo Bachat Khata
A savings deposit product offered by Nabil Bank.
Nabil Smart Fixed Deposit
A fixed-term deposit account with added smart features.
- Interest paid quarterly
- Auto-renewal option on maturity
- Attractive fixed-deposit interest rate
Nabil USD Savings / USD Special / USD Elite Savings
Foreign-currency (USD) savings accounts for eligible customers.
- Account maintained in US Dollars
- Tiered variants: Savings, Special, Elite
Nabil Premium Remittance Savings Account
A savings account targeted at remittance-receiving customers.
Loans
6Nabil Dhukka Ghar Karja (Home / Housing Loan)
A home loan for purchase, construction or renovation of residential property.
- Tenure up to 20 years
- Up to 70% financing for first-time homebuyers
- Up to 60% financing for others
- Fixed-rate options under Nabil Dream Home Loan
Auto Loan
A vehicle-financing loan for private new and electric vehicles.
- Tenure up to 7 years
- Up to 60% financing of VAT invoice
- Electric vehicle loan up to NPR 80 lakh
- EMI-based repayment
Education Loan
A loan financing higher studies in Nepal and abroad.
- Loan up to NPR 1 crore (10 million)
- Repayment up to 20 years
- Grace period up to 4 years / course duration
- Administration fee 0.75% of loan
- Covers tuition, airfare, lodging, forex
- Eligibility 18+ at start, max 70 at maturity
Professional / Personal Loan
A personal-purpose loan for salaried and professional individuals.
- Collateral-free option for eligible salaried customers
- EMI-based repayment
Nabil Nari Karja
A loan product for women under the Nabil Nari suite.
Women Run Microenterprises Loan
A loan to support women-run micro and small enterprises.
Cards
3Nabil Visa / MasterCard Credit Card
Domestic and international credit cards on Visa and MasterCard networks.
- Accepted in Nepal, India and Bhutan (domestic variant)
- EMV chip & PIN with contactless
- OTP-based online transaction security
- Repay 10% to 100% of statement balance
- Nabil Installment EMI conversion
- Card validity 4 years
Nabil Smart Debit Card
Visa debit cards in domestic and international variants linked to deposit accounts.
- Domestic and international variants
- ATM and POS usage
- Linked to savings/current account
Virtual iCard (Prepaid)
A virtual card for online USD payments issued via nBank.
- For online USD/international payments
- Issued digitally through nBank app
Digital & e-services
2nBank (Mobile Banking Superapp)
Nabil's flagship mobile banking and digital superapp.
- Open account and complete KYC digitally
- Fund transfers within Nepal
- Bill payments and mobile top-ups
- QR scan-and-pay
- Open fixed deposit and apply for digital loans
- Mobile Cash cardless ATM withdrawal
- Flight ticket booking and EMI calculator
nBank Web (Internet Banking)
Web-based internet banking platform for managing accounts online.
- View statements and manage accounts
- Online fund transfers and bill payment
- Two-factor authentication & encryption
Remittance
3nRemit
Inbound remittance service to receive money from abroad into Nepali accounts.
- Send to Nabil account using Visa/MasterCard from abroad
- Instant inbound transfer
- Available through nBank
Nepal-India Cross-Border P2P Remittance
Instant person-to-person remittance between Nepal and India via nBank.
- Instant digital transfers between Nepal and India
- Operated through nBank app
Nabil Remit Agent Network
Domestic remittance pickup via Nabil's agent network plus global partners.
- Over 1,500 Nabil Remit agents nationwide
- Partnership with Western Union
Trade Finance
2Letters of Credit
Documentary and standby letters of credit for trade transactions.
- Documentary and standby LC
- Handled by Central Trade Operation department
Guarantees and Standby Letters of Credit
Bank guarantees and SBLCs for business and SME customers.
- Bank guarantees for business/SME clients
- Standby letters of credit
Other
2DEMAT & Mero Share
Securities DEMAT account and Mero Share services for stock-market investors.
- DEMAT account opening
- Mero Share access
- Free/waived fees for certain account holders
Locker Facility
Safe-deposit locker service available with premium accounts.
- Safe-deposit locker rental
Digital & e-services
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.